Is Clutter Keeping You In Debt?

A friend of mine has a boomerang in his attic. He said he got it at a movie theatre after watching the original Crocodile Dundee film. Was I supposed to be impressed?

Is Clutter Keeping You In Debt

My friend’s problem was that the boomerang was just the beginning. He’d neglected to give his house a thorough clean in so long that he had rooms overflowing with old furniture, bags of hockey equipment that had seen better days (and had the smell to prove it), and other useless junk.

It actually reminded me of how a lot of people deal with their finances. They have an “out of sight, out of mind” attitude with their money, and then are shocked when they run into financial problems.

Well, I say – “No more!”

Are you in a similar situation? Is Clutter Keeping You In Debt? Spring is here so it’s time to do some spring cleaning. Together, we can bring some order to both your home and your finances.

· One man’s trash is another man’s…trash – Why are you keeping something around that you don’t use? It may be an old dresser or your grandmother’s spoon collection – or it may be that gym membership tucked deep in your wallet. And if it’s not a gym membership, maybe it’s a magazine subscription or an upgraded cable plan that you never watch.

Getting rid of the junk in our financial lives will lead to more savings and less spending. Sometimes, you just have say good riddance to old rubbish!

· Where there’s a will, there’s a way – Do the kids take out the garbage without being asked? Do you think they can read your mind when you think it’s time for the lawn to be cut? Absolutely not. The same is true for your finances when you pass on. Without a will, no one will know what you want.

The squabbles that often occur after the death of a loved one are completely avoidable. Take the time to draft a simple document that clearly divides up your assets after you’re gone. This will save you a lot of stress, and help to avoid any nasty situations in the future.

· The 1980s called. They want their financial plan back – Have you ever walked into a friend’s home and thought you were on the set of Family Ties? Spring is a time for throwing out the old, and making way for the new. The same may be true for your financial plans.

If you haven’t looked at your investments recently, now is the time to do so. Keep an eye on your chequing and savings accounts, RRSPs, and anywhere else you are keeping your money. Ignorance may be bliss, but it’s also a recipe for a debt disaster.

Just like cleaning out your home, your finances will become a mess if you don’t keep track of them. Stick to a budget and resist the urge to add debt after debt, and you’ll have a clean balance sheet at the end of the month – even if your basement is still a little cluttered.

Here are some basic guidelines to help you create a budget by percentage of income and figure out the right budget percentages and a starting point. Remember that based on your individual living style, income, family circumstances, and location, the allocation may vary from person to person...Read full article

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